SwagBucksWhat it is: According to their website, Swagbucks is the largest online point-earning program around. With the Swagbucks program, you earn points for things you would already do online -- like shop and search -- as well as for specific tasks. Once you have acquired enough points, you can redeem them for cash or gift cards.

My Experience: I have been a member of Swagbucks for a while and primarily earn points by doing some of my online searching through the Swagbucks toolbar. I rarely remember to click the little "Earn" tab (which lists all of the available point-earning opportunities) or to check my Swagbuck inbox. If I remembered to do those two things, I would probably have at least four times the points I have now. I am, however, a freelance writer and a blogger, so I am always looking something up online, which is why the Swagbucks program appealed to me. I love to earn even a little money while I'm just doing the stuff I would normally do anyways.